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Health Class: Preferred Plus (P+), Preferred (Pf ), Regular Plus (R+) and Regular (Rg) are indicators that will help you determine the underwriting (health and lifestyle) criteria that you will need to satisfy in order to qualify for the premium shown.

Preferred Plus (P+) – indicates a rate for an individual in very preferred (preferred plus) health. A company offering a P+ premium also offers a preferred (Pf) and a regular (Rg) health premium. Pf premiums are less difficult to qualify for. Rg premiums are much less difficult to qualify for.

Preferred (Pf ) – indicates a rate for an individual in preferred health. A company offering a Pf premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.

Regular Plus (R+) – indicates a rate for an individual in somewhat better health than regular (Rg), but not what the life insurance industry typically terms “preferred health”. A company offering an R+ premium also offers a regular (Rg) health premium. Rg premiums are less difficult to qualify for.

Regular (Rg) – indicates a rate for a person in normal health who does not have any medical or lifestyle condition which would increase their future risk of dying.

Example:  A person who has moderately elevated blood pressure may not qualify for P+, Pf or R+ premium rates, but they might qualify for Rg. A private pilot may not qualify for P+ or Pf premiums, but might qualify for R+ or Rg rates. You will need to speak to the company or an insurance agent for more details. Premiums quoted for smokers already take into account that the insured person smokes and therefore has a greater risk of death than a non-smokers. Premiums offered to smokers are already higher than those for non-smokers.